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TERMS

Terms & Conditions

Effective Date: March 1, 2026 · Last updated: April 12, 2026

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IMPORTANT - APPLE APP STORE NOTICE

This Agreement is concluded between you and Terrapin Software Inc. only, and not with Apple Inc. Apple is not responsible for the Terrapin application or its content. Apple has no obligation to provide maintenance, support, warranty, product claims, or legal compliance assistance in connection with the Terrapin application. Apple and Apple's subsidiaries are third-party beneficiaries of this Agreement, and Apple has the right to enforce this Agreement against you as a third-party beneficiary.

Welcome to Terrapin. These Terms and Conditions, which also constitute the End User License Agreement ("EULA") for the Terrapin iOS application ("Terms"), govern your access to and use of the Terrapin website, mobile applications, and associated services (collectively, the "Service"). By accessing or using Terrapin, you agree to be bound by these Terms. If you do not agree, do not use the Service.

This Agreement is between you ("User" or "you") and Terrapin Software Inc. ("Terrapin", "we", "us"). Apple Inc. is not a party to this Agreement and is not responsible for the Service or its content.

1. ELIGIBILITY AND ACCOUNT REGISTRATION

You must be at least 18 years of age to create an account and use the Service. By registering, you represent and warrant that all information provided is accurate and complete. You are responsible for maintaining the confidentiality of your login credentials and for all activities conducted under your account.

2. SUBSCRIPTION, BILLING, AND AUTO-RENEWAL

2.1 Subscription Plans

Terrapin offers the following auto-renewing annual subscription plans. Pricing is displayed as a monthly equivalent for transparency but billed as a single annual charge:

United Kingdom (GBP)

1-Year Discovery: £9/month, billed annually at £108/year
2-Year Discovery: £12/month, billed annually at £144/year

United States (USD)

1-Year Discovery: $13/month, billed annually at $156/year
2-Year Discovery: $17/month, billed annually at $204/year

Canada (CAD)

1-Year Discovery: CA$18/month, billed annually at CA$216/year
2-Year Discovery: CA$23/month, billed annually at CA$276/year

All prices are inclusive of applicable taxes where required by law. Prices are subject to change. You will be notified of any price changes before they take effect.

2.2 Auto-Renewal Disclosure

Your subscription automatically renews annually at the end of each billing period unless you cancel at least 24 hours before the renewal date. Your account will be charged for the renewal within 24 hours prior to the end of the current subscription period. You can manage and cancel your subscription at any time via your App Store account settings. No refund is provided for the unused portion of a subscription period upon cancellation.

2.3 Free Plan and Trial

New users can get started free without a payment card and receive 30 days of forward receipt discovery with 60 days of historical receipt discovery. After that period, users must either upgrade to a paid subscription or their account will revert to a limited state. Trial terms may be adjusted at Terrapin's discretion.

2.4 Cancellations

You may cancel your subscription at any time through your App Store account settings. Cancellations take effect at the end of the current billing period. You will retain access to the Service until the end of the paid period.

2.5 Payment Processing

Subscriptions purchased through the Apple App Store are processed and managed by Apple in accordance with Apple's payment terms. Terrapin does not collect or store any payment information for App Store purchases.

For subscriptions purchased directly through the Terrapin website or Android application (where available), payments are processed securely by Terrapin. We do not store full payment card details.

3. REFUND POLICY

For subscriptions purchased via the Apple App Store, refund requests are subject to Apple's standard refund policy and must be submitted directly to Apple.

For subscriptions purchased directly through the Terrapin website or Android application, new full-price annual subscribers may request a refund within 30 days of purchase, provided:

Fewer than 100 receipts have been processed
No exports (CSV, PDF, email, or integrations) have occurred
No third-party or accountant access has been granted

Refund requests for direct purchases must be submitted via in-app chat and are subject to review. Abuse of the refund policy may result in denial.

4. LICENSE GRANT AND SCOPE

Subject to these Terms, Terrapin grants you a limited, non-exclusive, non-transferable, revocable license to download and use the Terrapin application on any Apple-branded device that you own or control, solely for your personal, non-commercial receipt management purposes.

This license does not permit you to use the Service on any device you do not own or control, and you may not distribute or make the Service available over a network where it could be used by multiple devices at the same time.

5. USE OF THE SERVICE

5.1 Permitted Use

You may use Terrapin solely for lawful purposes related to managing and categorizing your receipts and expenses. You agree not to:

Upload fraudulent, offensive, or malicious content
Circumvent or disable platform limitations or security features
Use the Service to train competing AI or data extraction tools
Reproduce, modify, or distribute any part of the Service without written permission
5.2 Prohibited Behavior

We reserve the right to suspend or terminate your account if you:

Violate these Terms
Engage in abusive behavior towards our staff or other users
Attempt to exploit or reverse-engineer our platform
6. EARLY FEATURE PARTICIPATION

From time to time, Terrapin may offer early access to new features. By using early features, you acknowledge that:

The feature may be under active development
Features may change or be removed without notice
Bugs or outages may occur

Participation in early features may be adjusted at any time by Terrapin.

7. FINANCIAL AND DATA INTEGRATIONS

Terrapin may integrate with financial data aggregators such as Plaid. By using these integrations, you authorize Terrapin to access account and transaction information for the purpose of expense classification, categorization, and enrichment. Your financial login credentials are never stored by Terrapin.

With your explicit consent, our mobile application may also access:

Photos: for receipt image processing
Messages: to detect receipts in SMS or messaging platforms (where permitted)
Location: to associate expenses with specific locations
Calendar: to match receipts to events or appointments
Email Accounts (e.g. Gmail, Outlook): to ingest receipts and invoices sent to your inbox

These features are optional and require active user permission. You may withdraw consent at any time via your device settings.

8. INTELLECTUAL PROPERTY

All content, software, and trademarks associated with Terrapin are the exclusive property of Terrapin Software Inc. You may not copy, modify, distribute, or reverse-engineer any part of the Service without written permission.

If you believe the Terrapin application infringes any third-party intellectual property rights, please contact us at
hello@••••••
.

9. DATA AND PRIVACY

Your use of the Service is governed by our Privacy Policy, available at: https://tryterrapin.com/privacy

We collect, use, and share data in accordance with applicable laws including GDPR and CCPA. For details on our security practices and data handling, see our Trust page: https://tryterrapin.com/trust

10. MAINTENANCE AND SUPPORT

Terrapin Software Inc. is solely responsible for providing maintenance and support services with respect to the Terrapin application. Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the application.

We strive to maintain high availability but do not guarantee uninterrupted access. Scheduled maintenance and unplanned downtime may occur. Support is available via in-app chat during business hours.

11. WARRANTY DISCLAIMER

In the event of any failure of the Terrapin application to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) to you. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the application.

Terrapin is solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. Any other claims, losses, liabilities, damages, costs, or expenses attributable to any failure to conform to any warranty are Terrapin's sole responsibility.

12. PRODUCT CLAIMS

Terrapin Software Inc., not Apple, is responsible for addressing any claims you or any third party may have relating to the Terrapin application or your use of it, including but not limited to:

Product liability claims
Claims that the application fails to conform to any applicable legal or regulatory requirement
Claims arising under consumer protection, privacy, or similar legislation
13. LEGAL COMPLIANCE

By using the Service, you represent and warrant that:

You are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country
You are not listed on any U.S. Government list of prohibited or restricted parties

You agree to comply with all applicable laws and regulations in connection with your use of the Service.

14. LIMITATION OF LIABILITY

To the maximum extent permitted by law, Terrapin shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Service. Our total liability shall not exceed the amount you paid in the past 12 months.

Nothing in these Terms shall limit liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation.

15. GOVERNING LAW

These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law principles. Any disputes arising under these Terms shall be resolved exclusively in the state or federal courts located in the State of Delaware.

16. CHANGES TO THESE TERMS

We may update these Terms from time to time. Changes will be posted at tryterrapin.com/terms with a revised effective date. Your continued use of the Service after changes are posted constitutes your acceptance of the updated Terms. We will notify you of material changes via email or in-app notification.

17. THIRD-PARTY BENEFICIARY

Apple Inc. and its subsidiaries are third-party beneficiaries of these Terms. Upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.

18. CONTACT

For questions about these Terms, please contact:

Terrapin Software Inc.
Email:
hello@••••••

https://tryterrapin.com/terms

QUICK LINKS

Terms & Conditions (EULA): https://tryterrapin.com/terms
Privacy Policy: https://tryterrapin.com/privacy
Trust & Security: https://tryterrapin.com/trust